FY22 Investor Presentation

Deep data and machine learning deliver prime loan book Deep Consumer Data+ Machine Learning+ Automation Lower Lower Lower CAC + Funding Losses Fixed Opex Costs High Shareholder Returns 9.3% Net Lending Margin (after losses) Credit losses Convenient online consumer-direct model provides deep data, powering machine learning and automation to deliver resilient prime borrowers at scale. Loan book comprised of more than 40% homeowners, 99% in regular employment or self-employed, and among those at least 74% employed in either professional, office or trades roles and 86% aged 30+. Statutory credit losses 2.5% FY22 and 90+ day arrears at 30 June 2022 0.45%. • Ultimately delivering a Net Lending Margin (after losses) of 9.3%. 4% 3% 2% 1% 0% FY21 Low 90+ day arrears 3% 2% 1% FY22 <--1.30% 0.45% 0% Jul Aug Sep Nov Dec Oct - FY22 - FY21 ■■ AU Mkt. Avg. FY22* Jan Feb Mar Apr May Jun H HARMONEY ©2022 FY22 INVESTOR PRESENTATION *Source: Equifax Australian Consumer Credit Demand Index 2022 Q2, Personal Loan series. 31 AUGUST 2022 18

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